S. 1533Senate108th Congress (2003-2005)In Committee

Identity Theft Victims Assistance Act of 2003

Introduced July 31, 2003

Legislative Activity

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2 earlier actions
SenateIntro Referral Latest Action

Read twice and referred to the Committee on the Judiciary. (text of measure as introduced: CR 8/1/2003 S10662-10665)

July 31, 2003

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SenateIntro Referral

Introduced in Senate

July 31, 2003

SenateIntro Referral

Sponsor introductory remarks on measure. (CR S10661-10662)

July 31, 2003

SenateIntro Referral

Read twice and referred to the Committee on the Judiciary. (text of measure as introduced: CR 8/1/2003 S10662-10665)

July 31, 2003

Floor Debate

21 members

What members said about S. 1533 on the floor

12 Republicans8 Democrats1 Independent
Christopher S. Bond
Sen. Christopher S. BondR-MO · Feb 4, 2004

Will my friend from Nevada yield for a question? Mr. President, I appreciate very much my distinguished copartner on the Transportation Subcommittee talking about the need to get this bill through…

Michael B. Enzi
Sen. Michael B. EnziR-WY · Jul 31, 2003

Mr. President, I rise today to introduce a bill that will help bring about a more reliable system of medical justice for all Americans. Earlier this month, we had a robust debate on a critical…

James M. Inhofe
Sen. James M. InhofeR-OK · Feb 4, 2004

Yesterday, we had several occasions where we were trying to stay on the bill, and we kept saying: All right, one more person, one more person, one more person. As manager of the bill, I am going to…

James M. Jeffords
Sen. James M. JeffordsI-VT · Feb 4, 2004

I thank the chairman. As has been pointed out already by one of our members, the bill we are talking about is rather extensive. But it was not done quickly or without the tremendous work of staff and…

Jeff Bingaman
Sen. Jeff BingamanD-NM · Jul 31, 2003

Mr. President, I rise today with my colleague from Florida, Senator Graham, to introduce a very simple piece of legislation that would revoke President Bush's Executive Order 13233 and put back in…

Show 8 more
Russell D. Feingold
Sen. Russell D. FeingoldD-WI · Jul 31, 2003

Mr. President, today I introduce the Library, Bookseller, and Personal Records Privacy Act. This bill would amend the Patriot Act to protect the privacy of law- abiding Americans. It would set…

Orrin G. Hatch
Sen. Orrin G. HatchR-UT · Jul 31, 2003

Mr. President, I rise today in support of S. 1531, the John Marshall Commemorative Coin Act. This bill authorizes the Treasury Department to mint and issue coins bearing the likeness of Chief Justice…

Thomas A. Daschle
Sen. Thomas A. DaschleD-SD · Feb 4, 2004

Mr. President, if we have an impasse about scheduling this afternoon, I wonder if it would be appropriate to ask consent that we have morning business tomorrow immediately after we commence Senate…

Maria Cantwell
Sen. Maria CantwellD-WA · Jul 31, 2003

Mr. President, I rise today to re-introduce legislation critical to helping victims of identity theft. This legislation, the Identity Theft Victims Assistance Act, passed the Senate by unanimous…

Maria Cantwell
Sen. Maria CantwellD-WA · Jul 31, 2003

Mr. President, I rise today to re-introduce legislation critical to helping victims of identity theft. This legislation, the Identity Theft Victims Assistance Act, passed the Senate by unanimous…

Harry Reid
Sen. Harry ReidD-NV · Feb 4, 2004

Mr. President, if the Senator will yield, I think we could probably work this out. Why don't we go ahead and get rid of the Bond amendment--all they want is a time certain--and have them come and…

William H. Frist
Sen. William H. FristR-TN · Feb 4, 2004

Mr. President, this morning the Senate and House were privileged to conduct a joint meeting--a wonderful meeting--to hear a powerful address by President Aznar of Spain. I again thank President…

Wayne Allard
Sen. Wayne AllardR-CO · Feb 4, 2004

Mr. President, I thank the Senator from Wyoming for his statement. I have worked with him on the Environment and Public Works Committee on this important piece of legislation. The fact is there are a…

Show 11 more
Ben Nighthorse Campbell
Sen. Ben Nighthorse CampbellR-CO · Jul 31, 2003

Mr. President, I am pleased to be join by Senator Inouye in introducing the Tribal Government Tax Exempt Bond Fairness Act of 2003. This bill will assist Indian tribes raise capital in the private…

Judd Gregg
Sen. Judd GreggR-NH · Feb 4, 2004

Mr. President, I rise again as we proceed on the bill to present my concerns about where we are in the process relative to the highway bill and relative to the management of the Federal budget. The…

John McCain
Sen. John McCainR-AZ · Jul 31, 2003

Mr. President, I am proud to join Senator Kyl in introducing legislation that would rename the Veterans Administration medical center in Prescott, AZ after Bob Stump. In June of this year, Arizonans…

Craig Thomas
Sen. Craig ThomasR-WY · Feb 4, 2004

Mr. President, I thank my friend from Missouri. I am glad this conversation is going on. Certainly there isn't anything before us that is more immediate in need and more important than this highway…

Christopher J. Dodd
Sen. Christopher J. DoddD-CT · Jul 31, 2003

Mr. President. I am pleased to rise today with my colleague Senator Lieberman to introduce legislation that would amend the Internal Revenue Code to exclude property tax abatements, provided by local…

Judd Gregg
Sen. Judd GreggR-NH · Jul 31, 2003

Mr. President, today I am proud to introduce the Higher Education for Freedom Act. This bill will establish a competitive grant program making funds available to institutions of higher education,…

Patrick J. Leahy
Sen. Patrick J. LeahyD-VT · Jul 31, 2003

Today I am introducing the Permanent Partners Immigration Act, a Senate companion to legislation that Representative Nadler of New York has introduced in the House for each of the last three…

Jack Reed
Sen. Jack ReedD-RI · Jul 31, 2003

Mr. President, we often don't think about how important water is to our everyday lives, for our health and for our economy. As Americans, we take for granted that when we turn on the tap that clean…

Chuck Grassley
Sen. Chuck GrassleyR-IA · Jul 31, 2003

Mr. President, as Members of the this Senate are well aware, I have worked for many years on the development of renewable fuels in the marketplace. Twenty-five years ago we created an alcohol fuels…

Harry Reid
Sen. Harry ReidD-NV · Jul 31, 2003

Mr. President, I rise today for myself and Senator Ensign to introduce the Pahrump American Legion Post Land Conveyance Act. This Act will transfer approximately five acres of BLM land in Pahrump,…

Gordon H. Smith
Sen. Gordon H. SmithR-OR · Jul 31, 2003

Mr. President, I rise today to introduce the Pathways to Independence Act of 2003, along with Senators Conrad and Jeffords. This bill includes two important provisions that we will work to include in…

Bill Text

Latest available legislative text

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Latest
Introduced in SenateIssued July 31, 2003
        [Congressional Bills 108th Congress]
[From the U.S. Government Publishing Office]
[S. 1533 Introduced in Senate (IS)]

1st Session
S. 1533

To prevent the crime of identity theft, mitigate the harm to
individuals throughout the Nation who have been victimized by identity
theft, and for other purposes.

_______________________________________________________________________

IN THE SENATE OF THE UNITED STATES

July 31 (legislative day, July 21), 2003

Ms. Cantwell (for herself and Mr. Enzi) introduced the following bill;
which was read twice and referred to the Committee on the
JudiciaryYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYY

_______________________________________________________________________

A BILL

To prevent the crime of identity theft, mitigate the harm to
individuals throughout the Nation who have been victimized by identity
theft, and for other purposes.

Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the ``Identity Theft Victims Assistance
Act of 2003''.

SEC. 2. FINDINGS.

Congress finds the following:
(1) The crime of identity theft is the fastest growing
crime in the United States. According to a recent estimate,
7,000,000 Americans were victims of identity theft in the past
year, a 79 percent increase over previous estimates.
(2) Stolen identities are often used to perpetrate crimes
in many cities and States, making it more difficult for
consumers to restore their respective identities.
(3) Identity theft cost consumers more than $745,000,000 in
1998 and has increased dramatically in the last few years. The
credit card industry alone lost an estimated $144.3 million in
2000.
(4) Identity theft is ruinous to the good name and credit
of consumers whose identities are misappropriated, and
consumers may be denied otherwise deserved credit and may have
to spend enormous time, effort, and money to restore their
respective identities.
(5) Victims are often required to contact numerous Federal,
State, and local law enforcement agencies and creditors over
many years as each event of fraud arises.
(6) As of the date of enactment of this Act, a national
mechanism does not exist to assist identity theft victims to
obtain evidence of identity theft, restore their credit, and
regain control of their respective identities.
(7) Victims of identity theft need a nationally
standardized means of--
(A) establishing their true identities and claims
of identity theft to all business entities, credit
reporting agencies, and Federal and State law
enforcement agencies;
(B) obtaining information documenting fraudulent
transactions from business entities;
(C) reporting identity theft to consumer credit
reporting agencies.
(8) One of the greatest law enforcement challenges posed by
identity theft is that stolen identities are often used to
perpetrate crimes in many different localities in different
States, and although identity theft is a Federal crime, most
often, State and local law enforcement agencies are responsible
for investigating and prosecuting the crimes.
(9) Law enforcement, business entities, credit reporting
agencies, and government agencies have a shared responsibility
to assist victims of identity theft to mitigate the harm caused
by any fraud perpetrated in the name of the victims.

SEC. 3. TREATMENT OF IDENTITY THEFT MITIGATION.

(a) In General.--Chapter 47 of title 18, United States Code, is
amended by adding after section 1028 the following:
``Sec. 1028A. Treatment of identity theft mitigation
``(a) Definitions.--As used in this section--
``(1) the term `business entity' means any corporation,
trust, partnership, sole proprietorship, or unincorporated
association, including any financial service provider,
financial information repository, creditor (as that term is
defined in section 103 of the Truth in Lending Act (15 U.S.C.
1602)), telecommunications, utilities, or other service
provider;
``(2) the term `consumer' means an individual;
``(3) the term `financial information' means information
identifiable as relating to an individual consumer that
concerns the amount and conditions of the assets, liabilities,
or credit of the consumer, including--
``(A) account numbers and balances;
``(B) nonpublic personal information, as that term
is defined in section 509 of the Gramm-Leach-Bliley Act
(15 U.S.C. 6809); and
``(C) codes, passwords, social security numbers,
tax identification numbers, State identifier numbers
issued by a State department of licensing, and other
information used for the purpose of account access or
transaction initiation;
``(4) the term `financial information repository' means a
person engaged in the business of providing services to
consumers who have a credit, deposit, trust, stock, or other
financial services account or relationship with that person;
``(5) the term `identity theft' means a violation of
section 1028 or any other similar provision of applicable
Federal or State law;
``(6) the term `means of identification' has the same
meaning given the term in section 1028;
``(7) the term `victim' means a consumer whose means of
identification or financial information has been used or
transferred (or has been alleged to have been used or
transferred) without the authority of that consumer with the
intent to commit, or with the intent to aid or abet, an
identity theft; and
``(8) the terms not defined in this section or otherwise
defined in section 3(s) of the Federal Deposit Insurance Act
(12 U.S.C. 1813(s)) shall have the meaning given to them in
section 1(b) of the International Banking Act of 1978 (12
U.S.C. 3101).
``(b) Information Available to Victims.--
``(1) In general.--A business entity that possesses
information relating to an alleged identity theft, or that has
entered into a transaction, provided credit, provided, for
consideration, products, goods, or services, accepted payment,
otherwise entered into a commercial transaction for
consideration with a person that has made unauthorized use of
the means of identification of the victim, or possesses
information relating to such transaction, shall, not later than
20 days after the receipt of a written request by the victim,
meeting the requirements of subsection (c), provide, without
charge, a copy of all application and business transaction
information related to the transaction being alleged as an
identity theft to--
``(A) the victim;
``(B) any Federal, State, or local governing law
enforcement agency or officer specified by the victim
in such a request; or
``(C) any law enforcement agency investigating the
identity theft and authorized by the victim to take
receipt of records provided under this section.
``(2) Rule of construction.--
``(A) In general.--No provision of Federal or State
law prohibiting the disclosure of financial information
by a business entity to third parties shall be used to
deny disclosure of information to the victim under this
section.
``(B) Limitation.--Except as provided in
subparagraph (A), nothing in this section permits a
business entity to disclose information that the
business entity is otherwise prohibited from disclosing
under any other applicable provision of Federal or
State law.
``(c) Verification of Identity and Claim.--Unless a business
entity, at its discretion, is otherwise able to verify the identity of
a victim making a request under subsection (b)(1), the victim shall
provide to the business entity--
``(1) as proof of positive identification, at the election
of the business entity--
``(A) the presentation of a government-issued
identification card;
``(B) if providing proof by mail, a copy of a
government-issued identification card; or
``(C) upon the request of the person seeking
business records, the business entity may inform the
requesting person of the categories of identifying
information that the unauthorized person provided the
business entity as personally identifying information,
and may require the requesting person to provide
identifying information in those categories; and
``(2) as proof of a claim of identity theft, at the
election of the business entity--
``(A) a copy of a police report evidencing the
claim of the victim of identity theft;
``(B) a properly completed copy of a standardized
affidavit of identity theft developed and made
available by the Federal Trade Commission; or
``(C) any properly completed affidavit of fact that
is acceptable to the business entity for that purpose.
``(d) Limitation on Liability.--No business entity may be held
liable for a disclosure, made in good faith and reasonable judgment, to
provide information under this section with respect to an individual in
connection with an identity theft to other business entities, law
enforcement authorities, victims, or any person alleging to be a
victim, if--
``(1) the business entity complies with subsection (c); and
``(2) such disclosure was made--
``(A) for the purpose of detection, investigation,
or prosecution of identity theft; or
``(B) to assist a victim in recovery of fines,
restitution, rehabilitation of the credit of the
victim, or such other relief as may be appropriate.
``(e) Authority To Decline To Provide Information.--A business
entity may decline to provide information under subsection (b) if, in
the exercise of good faith and reasonable judgment, the business entity
determines that--
``(1) this section does not require disclosure of the
information;
``(2) the request for the information is based on a
misrepresentation of fact by the victim relevant to the request
for information; or
``(3) the information requested is Internet navigational
data or similar information about a person's visit to a website
or online service.
``(f) No New Recordkeeping Obligation.--Nothing in this section
creates an obligation on the part of a business entity to obtain,
retain, or maintain information or records that are not otherwise
required to be obtained, retained, or maintained in the ordinary course
of its business or under other applicable law.
``(g) Affirmative Defense.--In any civil action brought to enforce
this section, it is an affirmative defense (which the defendant must
establish by a preponderance of the evidence) for a business entity to
file an affidavit or answer stating that--
``(1) the business entity has made a reasonable diligent
search of its available business records; and
``(2) the records requested under this section do not exist
or are not available.
``(h) No Private Right of Action.--Nothing in this section shall be
construed to provide a private right of action or claim for relief.
``(i) Enforcement.--
``(1) Injunctive actions by the attorney general.--
``(A) In general.--Whenever it appears that a
business entity to which this section applies has
engaged, is engaged, or is about to engage, in any act
or practice constituting a violation of this section,
the Attorney General of the United States may bring a
civil action in an appropriate district court of the
United States to--
``(i) enjoin such act or practice;
``(ii) enforce compliance with this
section; and
``(iii) obtain such other equitable relief
as the court determines to be appropriate.
``(B) Other injunctive relief.--Upon a proper
showing in the action under subparagraph (A), the court
shall grant a permanent injunction or a temporary
restraining order without bond.
``(2) Administrative enforcement.--
``(A) Federal trade commission.--
``(i) In general.--Except to the extent
that administrative enforcement is specifically
committed to another agency under subparagraph
(B), a violation of this section shall be
deemed an unfair or deceptive act or practice
in violation of the Federal Trade Commission
Act (15 U.S.C. 41 et seq.), for purposes of the
exercise by the Federal Trade Commission of its
functions and powers under that Act.
``(ii) Available functions and powers.--All
of the functions and powers of the Federal
Trade Commission under the Federal Trade
Commission Act are available to the Commission
to enforce compliance by any person with this
section.
``(B) Other federal agencies.--Compliance with any
requirements under this section may be enforced--
``(i) under section 8 of the Federal
Deposit Insurance Act (12 U.S.C. 1818)--
``(I) by the Office of the
Comptroller of the Currency, with
respect to national banks, and Federal
branches and Federal agencies of
foreign banks (except brokers, dealers,
persons providing insurance, investment
companies, and investment advisers);
``(II) by the Board of Governors of
the Federal Reserve System, with
respect to member banks of the Federal
Reserve System (other than national
banks), branches and agencies of
foreign banks (other than Federal
branches, Federal agencies, and insured
State branches of foreign banks),
commercial lending companies owned or
controlled by foreign banks, and
organizations operating under section
25 or 25A of the Federal Reserve Act
(12 U.S.C. 601 et seq. and 611 et
seq.);
``(III) by the Board of Directors
of the Federal Deposit Insurance
Corporation, with respect to banks
insured by the Federal Deposit
Insurance Corporation (other than
members of the Federal Reserve System),
insured State branches of foreign
banks, and any subsidiaries of such
entities (except brokers, dealers,
persons providing insurance, investment
companies, and investment advisers);
and
``(IV) by the Director of the
Office of Thrift Supervision, with
respect to savings associations, the
deposits of which are insured by the
Federal Deposit Insurance Corporation,
and any subsidiaries of such savings
associations (except brokers, dealers,
persons providing insurance, investment
companies, and investment advisers);
``(ii) by the Board of the National Credit
Union Administration, under the Federal Credit
Union Act (12 U.S.C. 1751 et seq.), with
respect to any federally insured credit union,
and any subsidiaries of such credit union;
``(iii) by the Securities and Exchange
Commission, under the Securities Exchange Act
of 1934 (15 U.S.C. 78a et seq.), with respect
to any broker or dealer;
``(iv) by the Securities and Exchange
Commission, under the Investment Company Act of
1940 (15 U.S.C. 80a-1 et seq.), with respect to
investment companies;
``(v) by the Securities and Exchange
Commission, under the Investment Advisers Act
of 1940 (15 U.S.C. 80b-1 et seq.), with respect
to investment advisers registered with the
Commission under such Act;
``(vi) by the Secretary of Transportation,
under subtitle IV of title 49, with respect to
all carriers subject to the jurisdiction of the
Surface Transportation Board;
``(vii) by the Secretary of Transportation,
under part A of subtitle VII of title 49, with
respect to any air carrier or any foreign air
carrier subject to that part; and
``(viii) by the Secretary of Agriculture,
under the Packers and Stockyards Act, 1921 (7
U.S.C. 181 et seq.), except as provided in
section 406 of that Act (7 U.S.C. 226, 2271),
with respect to any activities subject to that
Act.
``(C) Agency powers.--
``(i) In general.--A violation of any
requirement imposed under this section shall be
deemed to be a violation of a requirement
imposed under any Act referred to under
subparagraph (B), for the purpose of the
exercise by any agency referred to under
subparagraph (B) of its powers under any such
Act.
``(ii) Rule of construction.--Nothing in
this section shall be construed to prevent a
Federal agency from exercising the powers
conferred upon such agency by Federal law to--
``(I) conduct investigations;
``(II) administer oaths or
affirmations; or
``(III) compel the attendance of
witnesses or the production of
documentary or other evidence.
``(3) Parens patriae authority.--
``(A) Civil actions.--In any case in which the
attorney general of a State has reason to believe that
an interest of the residents of that State has been, or
is threatened to be, adversely affected by a violation
of this section by any business entity, the State, as
parens patriae, may bring a civil action on behalf of
the residents of the State in a district court of the
United States of appropriate jurisdiction to--
``(i) enjoin that practice;
``(ii) enforce compliance with this
section;
``(iii) obtain damages--
``(I) in the sum of actual damages,
restitution, and other compensation on
behalf of the affected residents of the
State; and
``(II) punitive damages, if the
violation is willful or intentional;
and
``(iv) obtain such other equitable relief
as the court may consider to be appropriate.
``(B) Notice.--Before filing an action under
subparagraph (A), the attorney general of the State
involved shall, if practicable, provide to the Attorney
General of the United States, and where applicable, to
the appropriate Federal agency with the authority to
enforce this section under paragraph (2)--
``(i) a written notice of the action; and
``(ii) a copy of the complaint for the
action.
``(4) Intervention.--
``(A) In general.--On receiving notice of an action
under paragraph (3), the Attorney General of the United
States, and any Federal agency with authority to
enforce this section under paragraph (2), shall have
the right to intervene in that action.
``(B) Effect of intervention.--Any person or agency
under subparagraph (A) that intervenes in an action
under paragraph (2) shall have the right to be heard on
all relevant matters arising therein.
``(C) Service of process.--Upon the request of the
Attorney General of the United States or any Federal
agency with the authority to enforce this section under
paragraph (2), the attorney general of a State that has
filed an action under this section shall, pursuant to
rule 4(d)(4) of the Federal Rules of Civil Procedure,
serve the Attorney General of the United States or the
head of such Federal agency, with a copy of the
complaint.
``(5) Construction.--For purposes of bringing any civil
action under this subsection, nothing in this section shall be
construed to prevent an attorney general of a State from
exercising the powers conferred on such attorney general by the
laws of that State to--
``(A) conduct investigations;
``(B) administer oaths or affirmations; or
``(C) compel the attendance of witnesses or the
production of documentary and other evidence.
``(6) Limitation on state action while federal action is
pending.--In any case in which an action is instituted by or on
behalf of the Attorney General of the United States, or
appropriate Federal regulator authorized under paragraph (2),
for a violation of this section, no State may, during the
pendency of that action, institute an action under this section
against any defendant named in the complaint in that action for
such violation.
``(7) Venue; service of process.--
``(A) Venue.--Any action brought under this
subsection may be brought in the district court of the
United States--
``(i) where the defendant resides;
``(ii) where the defendant is doing
business; or
``(iii) that meets applicable requirements
relating to venue under section 1391 of title
28.
``(B) Service of process.--In an action brought
under this subsection, process may be served in any
district in which the defendant--
``(i) resides;
``(ii) is doing business; or
``(iii) may be found.''.
(b) Clerical Amendment.--The table of sections at the beginning of
chapter 47 of title 18, United States Code, is amended by inserting
after the item relating to section 1028 the following new item:

``1028A. Treatment of identity theft mitigation.''.

SEC. 4. AMENDMENTS TO THE FAIR CREDIT REPORTING ACT.

(a) Consumer Reporting Agency Blocking of Information Resulting
From Identity Theft.--Section 611 of the Fair Credit Reporting Act (15
U.S.C. 1681i) is amended by adding at the end the following:
``(e) Block of Information Resulting From Identity Theft.--
``(1) Block.--Except as provided in paragraphs (4) and (5)
and not later than 30 days after the date of receipt of--
``(A) proof of the identity of a consumer; and
``(B) an official copy of a police report
evidencing the claim of the consumer of identity theft,
a consumer reporting agency shall block the reporting of any
information identified by the consumer in the file of the
consumer resulting from the identity theft, so that the
information cannot be reported.
``(2) Reinvestigation.--A consumer reporting agency shall
reinvestigate any information that a consumer has requested to
be blocked under paragraph (1) in accordance with the
requirements of subsections (a) through (d).
``(3) Notification.--A consumer reporting agency shall,
within the time period specified in subsection (a)(2)(A)--
``(A) provide the furnisher of the information
identified by the consumer under paragraph (1) with the
information described in subsection (a)(2); and
``(B) notify the furnisher--
``(i) that the information may be a result
of identity theft;
``(ii) that a police report has been filed;
``(iii) that a block has been requested
under this subsection; and
``(iv) of the effective date of the block.
``(4) Authority to decline or rescind.--
``(A) In general.--A consumer reporting agency may
at any time decline to block, or may rescind any block,
of consumer information under this subsection if--
``(i) in the exercise of good faith and
reasonable judgment, the consumer reporting
agency finds that--
``(I) the block was issued, or the
request for a block was made, based on
a misrepresentation of fact by the
consumer relevant to the request to
block; or
``(II) the consumer knowingly
obtained possession of goods, services,
or money as a result of a transaction
for which a block has been requested,
or the consumer should have known that
the consumer obtained possession of
goods, services, or money as a result
of a transaction for which a block has
been requested; or
``(ii) the consumer agrees that the blocked
information or portions of the blocked
information were blocked in error.
``(B) Notification to consumer.--If the block of
information is declined or rescinded under this
paragraph, the affected consumer shall be notified, in
the same manner and within the same time period as
consumers are notified of the reinsertion of
information under subsection (a)(5)(B).
``(C) Significance of block.--For purposes of this
paragraph, if a consumer reporting agency rescinds a
block, the presence of information in the file of a
consumer prior to the blocking of such information is
not evidence of whether the consumer knew or should
have known that the consumer obtained possession of any
goods, services, or monies as a result of the
transaction that was blocked.
``(5) Exception.--A consumer reporting agency shall not be
required to comply with this subsection when such agency is
issuing information for authorizations, for the purpose of
approving or processing negotiable instruments, electronic
funds transfers, or similar methods of payment, based solely on
negative information, including--
``(A) dishonored checks;
``(B) accounts closed for cause;
``(C) substantial overdrafts;
``(D) abuse of automated teller machines; or
``(E) other information which indicates a risk of
fraud occurring.''.
(b) False Claims.--Section 1028 of title 18, United States Code, is
amended by adding at the end the following:
``(j) Any person who knowingly falsely claims to be a victim of
identity theft for the purpose of obtaining the blocking of information
by a consumer reporting agency under section 611(e)(1) of the Fair
Credit Reporting Act (15 U.S.C. 1681i(e)(1)) shall be fined under this
title, imprisoned not more than 3 years, or both.''.
(c) Statute of Limitations.--
(1) In general.--Section 618 of the Fair Credit Reporting
Act (15 U.S.C. 1681p) is amended to read as follows:

``SEC. 618. JURISDICTION OF COURTS; LIMITATION ON ACTIONS.

``(a) In General.--Except as provided in subsections (b) and (c),
an action to enforce any liability created under this title may be
brought in any appropriate United States district court without regard
to the amount in controversy, or in any other court of competent
jurisdiction, not later than 2 years from the date of the defendant's
violation of any requirement under this title.
``(b) Willful Misrepresentation.--In any case in which the
defendant has materially and willfully misrepresented any information
required to be disclosed to an individual under this title, and the
information misrepresented is material to the establishment of the
liability of the defendant to that individual under this title, an
action to enforce a liability created under this title may be brought
at any time within 2 years after the date of discovery by the
individual of the misrepresentation.
``(c) Identity Theft.--An action to enforce a liability created
under this title may be brought not later than 5 years from the date of
the defendant's violation if--
``(1) the plaintiff is the victim of an identity theft; or
``(2) the plaintiff--
``(A) has reasonable grounds to believe that the
plaintiff is the victim of an identity theft; and
``(B) has not materially and willfully
misrepresented such a claim.''.
(2) Effective date.--The amendments made by this subsection
shall take effect 2 years from the date of enactment of this
Act.

SEC. 5. COORDINATING COMMITTEE STUDY OF COORDINATION BETWEEN FEDERAL,
STATE, AND LOCAL AUTHORITIES IN ENFORCING IDENTITY THEFT
LAWS.

(a) Membership; Term.--Section 2 of the Internet False
Identification Prevention Act of 2000 (18 U.S.C. 1028 note) is
amended--
(1) in subsection (b), by striking ``and the Commissioner
of Immigration and Naturalization'' and inserting ``the
Commissioner of Immigration and Naturalization, the Chairman of
the Federal Trade Commission, the Postmaster General, and the
Commissioner of the United States Customs Service,''; and
(2) in subsection (c), by striking ``2 years after the
effective date of this Act.'' and inserting ``on December 28,
2005.''.
(b) Consultation.--Section 2 of the Internet False Identification
Prevention Act of 2000 (18 U.S.C. 1028 note) is amended--
(1) by redesignating subsection (d) as subsection (e); and
(2) by inserting after subsection (c) the following:
``(d) Consultation.--In discharging its duties, the coordinating
committee shall consult with interested parties, including State and
local law enforcement agencies, State attorneys general,
representatives of business entities (as that term is defined in
section 4 of the Identity Theft Victims Assistance Act of 2003),
including telecommunications and utility companies, and organizations
representing consumers.''.
(c) Report Distribution and Contents.--Section 2(e) of the Internet
False Identification Prevention Act of 2000 (18 U.S.C. 1028 note) (as
redesignated by subsection (b)) is amended--
(1) by striking paragraph (1) and inserting the following:
``(1) In general.--The Attorney General and the Secretary
of the Treasury, at the end of each year of the existence of
the coordinating committee, shall report on the activities of
the coordinating committee to--
``(A) the Committee on the Judiciary of the Senate;
``(B) the Committee on the Judiciary of the House
of Representatives;
``(C) the Committee on Banking, Housing, and Urban
Affairs of the Senate; and
``(D) the Committee on Financial Services of the
House of Representatives.'';
(2) in subparagraph (E), by striking ``and'' at the end;
and
(3) by striking subparagraph (F) and inserting the
following:
``(F) a comprehensive description of Federal
assistance provided to State and local law enforcement
agencies to address identity theft;
``(G) a comprehensive description of coordination
activities between Federal, State, and local law
enforcement agencies that address identity theft; and
``(H) recommendations in the discretion of the
President, if any, for legislative or administrative
changes that would--
``(i) facilitate more effective
investigation and prosecution of cases
involving--
``(I) identity theft; and
``(II) the creation and
distribution of false identification
documents;
``(ii) improve the effectiveness of Federal
assistance to State and local law enforcement
agencies and coordination between Federal,
State, and local law enforcement agencies; and
``(iii) simplify efforts by a person
necessary to rectify the harm that results from
the theft of the identity of such person.''.
<all>